/* ==========================================================================
   Fintower — main.css
   Nordic-minimal financial trust. Midnight navy + teal.
   ========================================================================== */

/* --------------------------------------------------------------------------
   Custom Properties
   -------------------------------------------------------------------------- */
:root {
  --ftw-navy:           #0D1E35;
  --ftw-navy-alt:       #152D4A;
  --ftw-teal:           #2CC4BC;
  --ftw-teal-aa:        #167A76;
  --ftw-fg-light-1:     #0D1E35;
  --ftw-fg-light-2:     #4A5A6E;
  --ftw-fg-dark-1:      #EDF2F7;
  --ftw-fg-dark-2:      #94A3B8;
  --ftw-bg-light:       #F4F7FB;
  --ftw-bg-white:       #FFFFFF;
  --ftw-bg-dark:        #0D1E35;
  --ftw-bg-dark-alt:    #152D4A;
  --ftw-bg-cream:       #F0F4EF;
  --ftw-success:        #1B8B5E;
  --ftw-warning:        #B87518;
  --ftw-data-pos:       #1B8B5E;
  --ftw-data-neg:       #B03A2E;
  --ftw-border-light:   #DDE3EA;
  --ftw-border-dark:    #1E3552;

  --ftw-font-heading:   'Inter', system-ui, -apple-system, sans-serif;
  --ftw-font-body:      'Inter', system-ui, -apple-system, sans-serif;
  --ftw-font-mono:      'JetBrains Mono', 'Consolas', 'Courier New', monospace;

  --ftw-container:      1200px;
  --ftw-gutter:         1.5rem;
  --ftw-section-pad:    5rem;
  --ftw-section-pad-sm: 3rem;
  --ftw-nav-height:     72px;
  --ftw-radius:         8px;
  --ftw-radius-lg:      16px;
  --ftw-shadow-sm:      0 1px 3px rgba(13,30,53,0.08);
  --ftw-shadow-md:      0 4px 16px rgba(13,30,53,0.12);
  --ftw-shadow-lg:      0 12px 40px rgba(13,30,53,0.16);
  --ftw-transition:     200ms ease;
}

/* --------------------------------------------------------------------------
   Reset / Base
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--ftw-font-body);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--ftw-fg-light-1);
  background: var(--ftw-bg-white);
}

body.ftw-page--dark-top {
  background: var(--ftw-bg-dark);
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; }
address { font-style: normal; }
table { border-collapse: collapse; width: 100%; }

/* --------------------------------------------------------------------------
   Typography
   -------------------------------------------------------------------------- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--ftw-font-heading);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.ftw-display {
  font-size: clamp(2.5rem, 4vw, 3.75rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.03em;
}

h1, .ftw-h1 { font-size: clamp(2rem, 3.2vw, 3rem); font-weight: 700; }
h2, .ftw-h2 { font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 600; }
h3, .ftw-h3 { font-size: 1.25rem; font-weight: 600; }

.ftw-body-lg { font-size: 1.125rem; line-height: 1.7; }
.ftw-body    { font-size: 1rem;    line-height: 1.65; }
.ftw-caption { font-size: 0.875rem; }
.ftw-label   {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* Eyebrow / section label */
.ftw-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}

/* --------------------------------------------------------------------------
   Layout Utilities
   -------------------------------------------------------------------------- */
.ftw-container {
  max-width: var(--ftw-container);
  margin: 0 auto;
  padding: 0 var(--ftw-gutter);
}

.ftw-section {
  padding: var(--ftw-section-pad) 0;
}

.ftw-section--sm {
  padding: calc(var(--ftw-section-pad) * 0.6) 0;
}

/* bg contexts */
.ftw-section--dark {
  background: var(--ftw-bg-dark);
  color: var(--ftw-fg-dark-1);
}
.ftw-section--dark-alt {
  background: var(--ftw-bg-dark-alt);
  color: var(--ftw-fg-dark-1);
}
.ftw-section--light {
  background: var(--ftw-bg-light);
  color: var(--ftw-fg-light-1);
}
.ftw-section--white {
  background: var(--ftw-bg-white);
  color: var(--ftw-fg-light-1);
}
.ftw-section--cream {
  background: var(--ftw-bg-cream);
  color: var(--ftw-fg-light-1);
}

/* --------------------------------------------------------------------------
   Navigation
   -------------------------------------------------------------------------- */
.ftw-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--ftw-nav-height);
  display: flex;
  align-items: center;
  transition: background var(--ftw-transition), box-shadow var(--ftw-transition);
}

/* dark-top: transparent until scrolled */
body.ftw-page--dark-top .ftw-nav {
  background: transparent;
}
body.ftw-page--dark-top .ftw-nav.ftw-nav--scrolled {
  background: var(--ftw-navy);
  box-shadow: 0 2px 16px rgba(0,0,0,0.24);
}

/* light-top: always solid navy */
body.ftw-page--light-top .ftw-nav {
  background: var(--ftw-navy);
  box-shadow: var(--ftw-shadow-sm);
}

.ftw-nav__inner {
  max-width: var(--ftw-container);
  margin: 0 auto;
  padding: 0 var(--ftw-gutter);
  width: 100%;
  display: flex;
  align-items: center;
  gap: 2rem;
}

.ftw-nav__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.ftw-nav__logo img {
  height: 32px;
  width: auto;
  max-width: 160px;
}

.ftw-nav__links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  margin-left: 1.5rem;
  flex: 1;
}

.ftw-nav__link {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ftw-fg-dark-1);
  padding: 0.5rem 0.75rem;
  border-radius: var(--ftw-radius);
  transition: color var(--ftw-transition), background var(--ftw-transition);
  white-space: nowrap;
}
.ftw-nav__link:hover {
  color: var(--ftw-teal);
  background: rgba(44,196,188,0.08);
}

/* dropdown */
.ftw-nav__dropdown {
  position: relative;
}

.ftw-nav__dropdown-toggle {
  background: transparent;
  border: none;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--ftw-fg-dark-1);
  padding: 0.5rem 0.75rem;
  border-radius: var(--ftw-radius);
  transition: color var(--ftw-transition), background var(--ftw-transition);
  display: flex;
  align-items: center;
  gap: 0.375rem;
  cursor: pointer;
  white-space: nowrap;
}
.ftw-nav__dropdown-toggle:hover {
  color: var(--ftw-teal);
  background: rgba(44,196,188,0.08);
}
.ftw-nav__dropdown-toggle svg {
  display: inline;
  width: 12px;
  height: 12px;
  transition: transform var(--ftw-transition);
}
.ftw-nav__dropdown:hover .ftw-nav__dropdown-toggle svg,
.ftw-nav__dropdown.is-open .ftw-nav__dropdown-toggle svg {
  transform: rotate(180deg);
}

.ftw-nav__dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--ftw-navy-alt);
  border: 1px solid var(--ftw-border-dark);
  border-radius: var(--ftw-radius);
  box-shadow: var(--ftw-shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: opacity var(--ftw-transition), visibility var(--ftw-transition), transform var(--ftw-transition);
  overflow: hidden;
}
.ftw-nav__dropdown:hover .ftw-nav__dropdown-menu,
.ftw-nav__dropdown.is-open .ftw-nav__dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.ftw-nav__dropdown-menu a {
  display: block;
  padding: 0.75rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--ftw-fg-dark-1);
  transition: background var(--ftw-transition), color var(--ftw-transition);
}
.ftw-nav__dropdown-menu a:hover {
  background: rgba(44,196,188,0.1);
  color: var(--ftw-teal);
}

/* nav actions */
.ftw-nav__actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-left: auto;
}

.ftw-nav__signin {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--ftw-fg-dark-2);
  padding: 0.4rem 0.75rem;
  border-radius: var(--ftw-radius);
  transition: color var(--ftw-transition);
}
.ftw-nav__signin:hover {
  color: var(--ftw-fg-dark-1);
}

/* hamburger */
.ftw-nav__hamburger {
  display: none;
  background: transparent;
  border: none;
  color: var(--ftw-fg-dark-1);
  padding: 0.5rem;
  margin-left: auto;
  flex-direction: column;
  gap: 5px;
}
.ftw-nav__hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: currentColor;
  border-radius: 2px;
  transition: transform var(--ftw-transition), opacity var(--ftw-transition);
}

/* mobile nav */
.ftw-mobile-nav {
  display: none;
  position: fixed;
  top: var(--ftw-nav-height);
  left: 0; right: 0;
  background: var(--ftw-navy);
  border-top: 1px solid var(--ftw-border-dark);
  padding: 1.5rem var(--ftw-gutter);
  z-index: 999;
  flex-direction: column;
  gap: 0.25rem;
  max-height: calc(100vh - var(--ftw-nav-height));
  overflow-y: auto;
}
.ftw-mobile-nav.is-open {
  display: flex;
}
.ftw-mobile-nav a,
.ftw-mobile-nav__section-label {
  display: block;
  padding: 0.75rem 1rem;
  font-size: 1rem;
  font-weight: 500;
  color: var(--ftw-fg-dark-1);
  border-radius: var(--ftw-radius);
  transition: background var(--ftw-transition);
}
.ftw-mobile-nav a:hover { background: rgba(44,196,188,0.08); }
.ftw-mobile-nav__section-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ftw-fg-dark-2);
  padding-top: 1.25rem;
}
.ftw-mobile-nav__subsection a {
  padding-left: 1.75rem;
  font-size: 0.9rem;
  color: var(--ftw-fg-dark-2);
}
.ftw-mobile-nav__actions {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--ftw-border-dark);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.ftw-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--ftw-font-body);
  font-size: 0.9375rem;
  font-weight: 600;
  border-radius: var(--ftw-radius);
  padding: 0.75rem 1.625rem;
  border: 2px solid transparent;
  transition: background var(--ftw-transition), color var(--ftw-transition),
              border-color var(--ftw-transition), box-shadow var(--ftw-transition),
              transform var(--ftw-transition);
  cursor: pointer;
  text-decoration: none;
  white-space: nowrap;
  line-height: 1;
}
.ftw-btn:active { transform: translateY(1px); }

.ftw-btn--primary {
  background: var(--ftw-teal);
  color: var(--ftw-navy);
  border-color: var(--ftw-teal);
}
.ftw-btn--primary:hover {
  background: #25b0a8;
  border-color: #25b0a8;
  box-shadow: 0 4px 16px rgba(44,196,188,0.32);
}

.ftw-btn--primary-sm {
  background: var(--ftw-teal);
  color: var(--ftw-navy);
  border-color: var(--ftw-teal);
  font-size: 0.875rem;
  padding: 0.5625rem 1.25rem;
}
.ftw-btn--primary-sm:hover {
  background: #25b0a8;
  border-color: #25b0a8;
}

.ftw-btn--ghost-dark {
  background: transparent;
  color: var(--ftw-fg-dark-1);
  border-color: rgba(237,242,247,0.32);
}
.ftw-btn--ghost-dark:hover {
  background: rgba(237,242,247,0.08);
  border-color: rgba(237,242,247,0.56);
}

.ftw-btn--outline-light {
  background: transparent;
  color: var(--ftw-fg-light-1);
  border-color: var(--ftw-border-light);
}
.ftw-btn--outline-light:hover {
  background: var(--ftw-bg-light);
  border-color: var(--ftw-fg-light-2);
}

.ftw-btn--outline-dark {
  background: transparent;
  color: var(--ftw-fg-dark-1);
  border-color: var(--ftw-border-dark);
}
.ftw-btn--outline-dark:hover {
  background: rgba(237,242,247,0.08);
}

.ftw-btn--text {
  background: transparent;
  border-color: transparent;
  padding-left: 0;
  padding-right: 0;
  font-weight: 600;
}

/* text link on light bg */
.ftw-section--light .ftw-btn--text,
.ftw-section--white .ftw-btn--text,
.ftw-section--cream .ftw-btn--text {
  color: var(--ftw-teal-aa);
}
.ftw-section--light .ftw-btn--text:hover,
.ftw-section--white .ftw-btn--text:hover,
.ftw-section--cream .ftw-btn--text:hover {
  color: var(--ftw-navy);
}

/* text link on dark bg */
.ftw-section--dark .ftw-btn--text,
.ftw-section--dark-alt .ftw-btn--text {
  color: var(--ftw-teal);
}
.ftw-section--dark .ftw-btn--text:hover,
.ftw-section--dark-alt .ftw-btn--text:hover {
  color: var(--ftw-fg-dark-1);
}

/* --------------------------------------------------------------------------
   Cards
   -------------------------------------------------------------------------- */
.ftw-card {
  background: var(--ftw-bg-white);
  border: 1px solid var(--ftw-border-light);
  border-radius: var(--ftw-radius-lg);
  padding: 2rem;
  box-shadow: var(--ftw-shadow-sm);
  transition: box-shadow var(--ftw-transition), transform var(--ftw-transition);
}
.ftw-card:hover {
  box-shadow: var(--ftw-shadow-md);
  transform: translateY(-2px);
}

.ftw-card--feature {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.ftw-card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--ftw-radius);
  background: rgba(44,196,188,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: var(--ftw-teal-aa);
  flex-shrink: 0;
}

.ftw-card__title {
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--ftw-fg-light-1);
}

.ftw-card__body {
  font-size: 0.9375rem;
  color: var(--ftw-fg-light-2);
  line-height: 1.65;
  flex: 1;
}

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.ftw-footer {
  background: var(--ftw-bg-dark);
  color: var(--ftw-fg-dark-1);
  padding: 4rem 0 0;
}

.ftw-footer__grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--ftw-border-dark);
}

.ftw-footer__brand {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.ftw-footer__brand img {
  height: 32px;
  width: auto;
  max-width: 160px;
}
.ftw-footer__tagline {
  font-size: 0.9375rem;
  color: var(--ftw-fg-dark-2);
  line-height: 1.6;
  max-width: 280px;
}
.ftw-footer__contact {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.ftw-footer__contact a {
  font-size: 0.875rem;
  color: var(--ftw-fg-dark-2);
  transition: color var(--ftw-transition);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.ftw-footer__contact a:hover { color: var(--ftw-teal); }
.ftw-footer__contact span {
  font-size: 0.875rem;
  color: var(--ftw-fg-dark-2);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.ftw-footer__col-heading {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ftw-fg-dark-1);
  margin-bottom: 1.25rem;
}

.ftw-footer__col-links {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.ftw-footer__col-links a {
  font-size: 0.875rem;
  color: var(--ftw-fg-dark-2);
  transition: color var(--ftw-transition);
}
.ftw-footer__col-links a:hover { color: var(--ftw-teal); }

.ftw-footer__bottom {
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.ftw-footer__copy {
  font-size: 0.8125rem;
  color: var(--ftw-fg-dark-2);
}
.ftw-footer__bottom-links {
  display: flex;
  gap: 1.5rem;
}
.ftw-footer__bottom-links a {
  font-size: 0.8125rem;
  color: var(--ftw-fg-dark-2);
  transition: color var(--ftw-transition);
}
.ftw-footer__bottom-links a:hover { color: var(--ftw-teal); }

/* --------------------------------------------------------------------------
   Section headings
   -------------------------------------------------------------------------- */
.ftw-section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem;
}
.ftw-section-header--left {
  text-align: left;
  margin-left: 0;
}

.ftw-section--dark .ftw-eyebrow,
.ftw-section--dark-alt .ftw-eyebrow,
.ftw-footer .ftw-eyebrow,
.ftw-hero--dark .ftw-eyebrow {
  color: var(--ftw-teal);
}

.ftw-section--light .ftw-eyebrow,
.ftw-section--white .ftw-eyebrow,
.ftw-section--cream .ftw-eyebrow {
  color: var(--ftw-teal-aa);
}

.ftw-section--dark h2,
.ftw-section--dark-alt h2,
.ftw-section--dark .ftw-section-header h2 {
  color: var(--ftw-fg-dark-1);
}

.ftw-section--dark p,
.ftw-section--dark .ftw-section-header p {
  color: var(--ftw-fg-dark-2);
}

.ftw-section--light h2,
.ftw-section--white h2,
.ftw-section--cream h2 {
  color: var(--ftw-fg-light-1);
}

.ftw-section--light p.ftw-subhead,
.ftw-section--white p.ftw-subhead,
.ftw-section--cream p.ftw-subhead {
  color: var(--ftw-fg-light-2);
}

/* --------------------------------------------------------------------------
   Fade-in animation (IntersectionObserver)
   -------------------------------------------------------------------------- */
.ftw-fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 500ms ease, transform 500ms ease;
}
.ftw-fade-in.ftw-visible {
  opacity: 1;
  transform: none;
}

/* --------------------------------------------------------------------------
   Cookie Banner
   -------------------------------------------------------------------------- */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--ftw-navy-alt);
  border-top: 1px solid var(--ftw-border-dark);
  box-shadow: 0 -4px 24px rgba(0,0,0,0.24);
  padding: 1.25rem 0;
}

.cookie-banner__inner {
  max-width: var(--ftw-container);
  margin: 0 auto;
  padding: 0 var(--ftw-gutter);
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.cookie-banner__text {
  flex: 1;
  min-width: 260px;
  font-size: 0.9rem;
  color: var(--ftw-fg-dark-2);
  line-height: 1.55;
}
.cookie-banner__text a {
  color: var(--ftw-teal);
  text-decoration: underline;
}

.cookie-banner__actions {
  display: flex;
  gap: 0.75rem;
  flex-shrink: 0;
}

.cookie-banner__btn {
  padding: 0.625rem 1.25rem;
  border-radius: var(--ftw-radius);
  font-size: 0.875rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--ftw-transition), border-color var(--ftw-transition);
  border: 2px solid;
  font-family: inherit;
}
.cookie-banner__btn--primary {
  background: var(--ftw-teal);
  color: var(--ftw-navy);
  border-color: var(--ftw-teal);
}
.cookie-banner__btn--primary:hover {
  background: #25b0a8;
  border-color: #25b0a8;
}
.cookie-banner__btn--secondary {
  background: transparent;
  color: var(--ftw-fg-dark-2);
  border-color: var(--ftw-border-dark);
}
.cookie-banner__btn--secondary:hover {
  color: var(--ftw-fg-dark-1);
  border-color: var(--ftw-fg-dark-2);
}

/* BEM modifier — prior-consent variant (structural contract) */
.cookie-banner--prior-consent { /* inherits base .cookie-banner styles */ }

/* Screen-reader utility */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .ftw-footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
}

@media (max-width: 768px) {
  :root {
    --ftw-section-pad: 3rem;
    --ftw-nav-height: 64px;
  }

  .ftw-nav__links,
  .ftw-nav__actions {
    display: none;
  }

  .ftw-nav__hamburger {
    display: flex;
  }

  .ftw-footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .ftw-footer__bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.75rem;
  }

  .cookie-banner__inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }
}

@media (max-width: 480px) {
  .cookie-banner__actions {
    width: 100%;
    flex-direction: column;
  }
  .cookie-banner__btn {
    width: 100%;
    text-align: center;
    justify-content: center;
  }
}